Financing January 9, 2023

American Savings Bank Weekly Mortgage Rates Update Jan. 6th, 2023

***Happy New Year !  Special Promotion Alert!! ***

    

1% off of their points!! for  Educational Professionals, Fire & EMT, Medical Professionals, Federal, State& Local Government Law Enforcement Professionals, Active or Former Military  !!  

教育、消防、医療、連邦、州および地方政府の機関、軍隊(現役又は、引退に関わるお仕事をされていらっしゃる方に限り1ポイント還元

 

Mortgage rate went down as the US 10 year yield has fallen to 3.55% on Friday from 3.71 on Thursday as the market basks in the declining wage growth.

Average hourly earnings in December rose 0.3%  and down from 0.4% in November.
Annually, wages were up 4.6%,  and down from 4.8%.
The unemployment rate in the US dropped to 3.5% in December 2022 vs 3.6% in November 2022.

金曜日、住宅ローンは低下。
賃金の伸びの鈍化により、米国の 10 年利回りが木曜日の 3.71% から金曜日は、 3.55% まで低下した為である。

12 月の平均時給は 0.3% 上昇し、11 月の 0.4% から低下
12 月の賃金は 4.6% 上昇し、11月の4.8% から低下。
米国の失業率は、11 月の 3.6% から  12 月には 3.5% に低下。

Our HELOC Promotional Rate : (application deadline 01/15/2023)
4.99% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 01/15/2023)
5.25% for 10 years
5.75% for 20 years

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2nd mortgage as well

弊社のジャンボローン(ローン額$970,801 以上)が、$2,75Mまでローンが組めるようになりました。
頭金10%からでもローンを組むことができます。

金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.
Financing January 3, 2023

American Savings Bank Weekly Mortgage Rates Update December 30, 2022

Wishing you and your family health, happiness, success, and prosperity.
Hope this new year brings you everything for which you prayed.

 

The National Home Price NSA Index reported a 9.2% annual gain in October, down from 10.7% in the previous month.
U.S. home price gains averaged 4.57% from 1992 until 2022.

2022 Market:
The Dow is down 9%, the S&P has lost 20% and the NASDAQ has plunged 33%.
The 10-year yield closed at 3.88% on December 30, 2022 vs 1.52% on December 31, 2021.
The 30 year fixed conventional rate was at 5.875% (2.625points) on December 30, 2022 vs 2.75%(1.875points) on December 31, 2021

 

全米住宅価格 NSA 指数は、10月の前年度比で、9.2% 上昇。(9月の前年度比は、 10.7%上昇)
1992 年から 2022 年までの米国の住宅価格の上昇は、4.57%。

2022年市場のまとめ:
ダウは 9% 下落、S&P は 20% 下落、NASDAQ は 33% 急落。
米国10 年物利回りは、2021 年 12 月 31 日の 1.52% に対して、2022 年 12 月 30 日の 3.88% で取引を終了。
30 年固定金利は、2021 年 12 月 31 日の 2.75% (1.875 ポイント) に対して、2022 年 12 月 30 日の 5.875% (2.625 ポイント) 。

 

Our HELOC Promotional Rate : (application deadline 01/15/2023)
4.99% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 01/15/2023)
5.25% for 10 years
5.75% for 20 years

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2nd mortgage as well

弊社のジャンボローン(ローン額$970,801 以上)が、$2,75Mまでローンが組めるようになりました。
頭金10%からでもローンを組むことができます。

金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.
Market Trends December 22, 2022

November 2022 Local Market Update

November 2022 Local Market Update. Please let me know if you need to know further more.
2022年11月のローカルマーケット情報! 詳しくはお問合せください。

 

 

 

 

 

Financing December 19, 2022

American Savings Bank Weekly Mortgage Rates Update December 16th 2022

Check out Our  5,7,10 year ARM Rate – Starting from 4.625%

Fed raised rates by .50% on Wednesday and forecasted slower growth in 2023.

The November Consumer Price Index (CPI) rose 0.1% versus the 0.3% expected and down from 0.4% in October, year over year prices were up 7.1% versus 7.3% and down from 7.7%.

US 10 year Note is trading at 3.48% (This week rage 3.44% – 3.61%)

 

Our HELOC Promotional Rate : (application deadline 12/19/2022)
4.75% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 12/19/2022)
5.25% for 10 years
5.75% for 20 years

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2nd mortgage as well

弊社のジャンボローン(ローン額$970,801 以上)が、$2,75Mまでローンが組めるようになりました。
頭金10%からでもローンを組むことができます。

Jumbo Rate –  5.375%
5,7,10ARM Rate – 4.875%

金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.
Market Trends December 12, 2022

Market Stats Update -November 2022

Please let me know if you need to know further more
2022年11月マーケット情報!詳しくはお問合せください。

 

 

 

 

Market Trends December 12, 2022

October 2022 Local Market Update

October 2022 Local Market Update. Please let me know if you need to know further more.
2022年10月のローカルマーケット情報! 詳しくはお問合せください。

 

 

 

 

 

Market Trends December 12, 2022

Market Stats Update -October 2022

Please let me know if you need to know further more
2022年10月マーケット情報!詳しくはお問合せください。

 

 

 

 

Financing December 12, 2022

American Savings Bank Weekly Mortgage Rates Update December 9th 2022

Check out Our  5,7,10 year ARM Rate – Starting from 4.625%

Core, annual and month-over-month Producer Price Index numbers came in higher than expected.
PPI is well below the 11.7% peak seen in March 2022.

Fed Meeting on Tuesday & Wednesday 13th and 14th.
It is expected that the short-term Fed Funds Rate will increase by 50bp to a range of 4.25 to 4.50%

::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

Jumbo Rate –  5.375% / 5,7,10ARM Rate – 4.625%

前月比の生産者物価指数の数値は、予想よりも高く2022 年 3 月に見られた 11.7% のピークを大幅に下回った。

12月13 日と 14 日の(火曜日と水曜日)に Fed の会合。
短期の Fed Funds Rate は 50bp 上昇し、4.25 ~ 4.50% の範囲になると予想されている。
水曜日、米国 10 年債利回りは2022 年 10 月 4 日以来の3.67% に低下。
米国の住宅建設は 10 月に急激に落ち込み、一戸建てプロジェクトは 2 年半ぶりの低水準に落ち込んだ。住宅着工件数は4.2%減少
10 月の生産者物価指数 (PPI) は予想よりも下回った。予想 0.4% に対して 0.2% 。
前年比は予想の 8.3% に対して 8% で、8.4% から低下。

 

 

Our HELOC Promotional Rate : (application deadline 12/19/2022)
4.75% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 12/19/2022)
5.25% for 10 years
5.75% for 20 years

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2nd mortgage as well

弊社のジャンボローン(ローン額$970,801 以上)が、$2,75Mまでローンが組めるようになりました。
頭金10%からでもローンを組むことができます。

Jumbo Rate –  5.375%
5,7,10ARM Rate – 4.875%

金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.
Financing November 22, 2022

American Savings Bank Weekly Mortgage Rates Update November 18th, 2022

Have a wonderful Thanksgiving week!

 

Check out Our Jumbo Rate – Starting from 5.375%     5,7,10 year ARM Rate – Starting from 4.875%

On Wednesday, US 10 year Note Yield slipped to 3.67% (First since October 4th 2022)

U.S. homebuilding fell sharply in October, with single-family projects dropping to the lowest level in nearly 2.5 years.

Housing starts decreased 4.2%

The October Producer Price Index(PPI) was softer than expected at 0.2% versus 0.4% expected. The year over year rate was 8% versus 8.3% expected and down from 8.4%.

 

水曜日、米国 10 年債利回りは2022 年 10 月 4 日以来の3.67% に低下。

米国の住宅建設は 10 月に急激に落ち込み、一戸建てプロジェクトは 2 年半ぶりの低水準に落ち込んだ。

住宅着工件数は4.2%減少

10 月の生産者物価指数 (PPI) は予想よりも下回った。予想 0.4% に対して 0.2% 。

前年比は予想の 8.3% に対して 8% で、8.4% から低下。

 

 

Our HELOC Promotional Rate : (application deadline 12/4/2022)
4.50% for the first 5 years

 

Fixed Rate Equity Loan Option: (application deadline 12/4/2022)
5.50% for 15 years
5.75% for 20 years

弊社のジャンボローン(ローン額$970,801 以上)が、$2,75Mまでローンが組めるようになりました。
頭金10%からでもローンを組むことができます。

Jumbo Rate –  5.375%
5,7,10ARM Rate – 4.875%

金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.
Financing November 2, 2022

American Savings Bank Weekly Mortgage Rates Update October 28, 2022

Mortgage rates came down this week as the 10-yr Note closed at 4.02% after touching 4.25% on Monday.

Q3 2022 GDP rose 2.6% from -0.6% in Q2 but the inflation reading Price Index fell to 4.1% from 9.1%

Traders are pricing in a more than 80% chance of another 75 basis point hike on November 1st & 2nd  two-day meeting.

 

米国10 年債は、月曜日に 4.25% に達した後、金曜日は、4.02% で引けた為に、住宅ローン金利も今週は下落。

2022 年第 3 四半期の GDP は第 2 四半期の -0.6% から 2.6% 上昇。

トレーダーは、11 月 1 日と 2 日の 2 日間のFED会合でさらに 75 ベーシス ポイントの利上げが行われる可能性が 80% 以上あると予想している。

 

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2nd mortgage as well

弊社のジャンボローン(ローン額$970,801 以上)が、$2,75Mまでローンが組めるようになりました。
頭金10%からでもローンを組むことができます。
金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.